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    • well the only way now to get it removed is via a set aside cost £255.   even paying the CCJ and it being marked as satisfied will not sadly improve his credit file nor prevent it poss killing any credit for the 6yrs it will show on his file for regardless to payment.   TBH: there would have to be something seriously wrong for a set aside to succeed  location of the car park might help us at the least.    
    • I had  a 5yr fixed rate mortgage with Norwich & Peterborough before they merged YB. I was to pay £585.27 Per month for 60 months fixed @ 5.85%.   first year ok,   for the following three years as their SVR increased so did my mortgage; £589 1st increase 2nd increase £595, 3rd increase £599. Along with the increases I was also charged late fees etc. from 2008 onwards.   I did receive a letter due to the enquiry into their fees but that only refunded from 2009, where I had been incorrectly charged after one month in 2008, plus the charges wern’t consistent with the £25 they allege to charge sometimes i was charges £32.50. I know the increases are not considerable however with them increasing the mortgage due to their SVR increases did they  1.    breach the terms & conditions of the mortgage contract. 2.    switched my mortgage to a SVR.   Any ideas appreciated.  
    • Thanks Dx, I’ll have to ask him if he wants to go any further and tbh I’m not sure he has anything kept, the claim form, etc. I’ll ask him tomorrow and see what he says or has.
    • opps no outside of the 33 days he had to pay it for it not too show sadly.   we are going to need far more info than what we have here now to even think of suggesting a set aside. this is compounded by the fact hat you say he totally ignored everything inc the claimform?   oh well time for you to get scanning. scan everything he has please  every letter, the lot.   one good point is we only need the front page of the claimform..not the complete pach from northants bulk.   please makes sure you redact things properly but leave times and dates etc. just remove his pers details, reg/pcn/ref numbers and any bar or QR code boxes. read upload  put everything in ONE MULTIPAGE PDF FILE ONLY please     the sad fact here is premier haven't ever won any CCJ's when cases are defended. they run away.
    • in their WS they state its a recon, [pages 1-10] urm something smells here for this to happen for an online 2012 signup.   pages 1+4+5 appear to be missing??   need to discover whats going on here  so scan up the pages 1-10 as clear non blurred uploads no good to us if we can see them   if you need to send them via the secure email then do so and i'll do it. but we need to see the text of all 10 pages very clearly to workout what they have done..   its better you look stupid infront of us than lose another case infront of a judge.  you only waste the forums time when you don't follow what has been already advised  esp when it runs the clock closer to a deadline - its 3 weeks we've been waiting for these docs now and what do we get..mostly blurred uploads we cant read...
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RBS prepares to "dance to the tune of regulators" over Libor

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The Royal Bank of Scotland (RBS) has announced a pre-tax loss of £1.26 billion for the three months to the end of September. It takes the total loss for the year to £3.4 billion and compares to a £2 billion operating profit for the same period in 2011. A further £400 million provision for payment protection insurance (PPI) compensation increased the loss. The bank also made a £1.5 billion charge against the value of its own bonds. The taxpayer-owned bank is also preparing for talks with regulators to settle its role in the manipulation of the Libor interbank lending rate. The bank said it expects to have talks soon that are likely to result in fines of a "material" amount. It hopes that details will be finalised before it announces its next set of results at the end of February 2013.

 

Last week, the Federal Energy Regulatory Commission recommended that Barclays be given a $470 million fine relating to energy trading in North America. RBS Chief Executive Stephen Hester said: “We are in the FSA’s hands, and the hands of the other regulators. Personally, I’ll be disappointed if, by the time of our year-end results, we haven’t had news on this.” The extra money set aside for PPI compensation takes the total charge for mis-selling of PPI by RBS to £1.7 billion. After Lloyds and Barclays added a further £1.7 billion to their PPI provision, this means the total set aside by UK banks is now more than £11 billion. RBS said that it may need to make further provision for PPI compensation in the future but the latest provision was an attempt to “get ahead” of the problem. Despite the big loss, Mr Hester said that “the RBS restructuring programme continues to make excellent progress.” RBS is 81 per cent owned by the UK taxpayer after having to accept a £45 billion bailout at the height of the financial crisis.

 

More: http://www.myfinances.co.uk/investments/2012/11/04/rbs-announces-1-3b-loss-as-it-raises-ppi-provision-by-400m


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